US Mortgage Underwriter

JOIN MODER PHILIPPINES!

Be part of a global, tech‑forward leader powering the future of financial services.

Moder was founded in December 2020 with one mission:

 To positively impact the financial health of companies using top talent, workflow best practices, and progressive technology.

We are a tech‑forward outsourcing company supporting the US mortgage, insurance, and banking industries. Whether through end‑to‑end outsourcing or specialized component‑based solutions, we partner with clients to elevate operations and deliver world‑class customer experiences.

Backed by industry experts from both client and provider sides, Moder has grown into a trusted global solutions powerhouse with teams across the US, India, LATAM, and the Philippines, proudly supporting 50+ international clients.

Awards & Accreditations

Moder continues to gain global recognition for innovation and leadership:

• Great Place to Work 2026
• HR Excellence Awards 2025
• HousingWire Insiders Award 2025
• Woman of Influence 2025
• Rising Stars Award 2025
• Mortgage Point Tech Excellence Award 2025
• HW Tech100 Award 2025
• Leadership Award for Professional Excellence 2025
• Tech Trendsetters Award 2024

Moder Philippines

Now with 3 growing sites and 1,500+ employees, located in:

Alabang, Manila

JDN Square, Mandaue City

1Nito Tower, Cebu City

We’re Hiring: US Mortgage Underwriter (WFH)

 Position: US Mortgage Underwriter

 Work Setup: 100% Work From Home | 7am-4pm PST

 Salary: PHP 150,000 per month

 Sign-On Bonus: PHP 150,000

Job Overview

We are looking for an experienced US Mortgage Underwriter with a strong background in end-to-end loan underwriting. The successful candidate will be responsible for reviewing, analyzing, and underwriting residential mortgage loan files in compliance with US lending guidelines.

Qualifications

•  At least 2 years of experience as a US Mortgage Underwriter
• Strong knowledge of US mortgage guidelines (FNMA, FHLMC, FHA, VA)
• Experience underwriting Conventional, FHA, VA, and USDA loans
• Ability to analyze income, credit, assets, liabilities, and collateral
• Familiar with AUS findings (DU / LP)
• Excellent decision-making and attention to detail
• Strong written and verbal English communication skills
• Experience working remotely is an advantage

Key Responsibilities

• Review and underwrite complete mortgage loan files
• Ensure compliance with investor, agency, and regulatory guidelines
• Analyze borrower creditworthiness and risk
• Issue clear and accurate underwriting conditions
• Collaborate with processing and closing teams to meet turn-around times
• Maintain quality and consistency in underwriting decisions

What We Offer

•  PHP 150,000 monthly salary
•  Permanent Work-From-Home setup
•  PHP 150,000 Sign-On Bonus
• Stable, long-term opportunity
• Work-life balance with remote flexibility

How to Apply

Interested candidates may submit their updated resume highlighting US mortgage underwriting experience.